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MCBS Stock Chart & Stats
$36.57
$0.47(1.30%)
At close: 4:00 PM EDT
$36.57
$0.47(1.30%)
Day’s Range― - ―
52-Week Range$24.53 - $37.46
Previous Close$36.36
Volume94.59K
Average Volume (3M)36.91K
Market Cap
$1.02B
Enterprise Value$1.17K
Total Cash (Recent Filing)$280.55M
Total Debt (Recent Filing)$403.26M
Price to Earnings (P/E)12.1
Beta0.87
Next Earnings
Oct 16, 2026EPS Estimate
0.84Next Dividend Ex-DateN/A
Dividend Yield3.05%
Share Statistics
EPS (TTM)2.92
Shares Outstanding28,781,229
10 Day Avg. Volume42,724
30 Day Avg. Volume36,907
Financial Highlights & Ratios
PEG Ratio2.11
Price to Book (P/B)1.27
Price to Sales (P/S)2.91
P/FCF Ratio5.04
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$38.00Price Target Upside3.91% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.27
Revenue Forecast (FY)$209.50M
Bulls Say, Bears Say
Bulls Say
ProfitabilityTTM results show durable profitability with net margins near 30% and operating margins around 39%, and net income improving from 2024 through TTM. This level of sustained operating profitability provides a reliable earnings base for loan growth, provisions, and capital accumulation over months.
Improving LeverageLeverage improvement to a ~0.71 debt/equity ratio with equity buildout reduces balance-sheet strain and regulatory capital pressure. A stronger capital base increases lending flexibility, supports dividend policy and cushions credit cycles, improving medium-term financial resilience.
Revenue Growth TrendMulti-year revenue growth and a recent 17.8% growth metric indicate expanding core banking activity and customer penetration. A sustained revenue uptrend supports scale economies and fee income diversification, improving ability to fund technology, branches, and credit risk provisions over 2–6 months.
Bears Say
Cash Flow VolatilityLarge swings in operating and free cash flow undermine confidence that reported earnings will convert to cash consistently. Volatile cash generation complicates capital allocation, dividend sustainability, and loan funding plans, increasing execution and liquidity risk across quarters.
Margin CompressionCompression from prior peak margins to more normalized levels signals less favorable operating leverage and competitive/market pressures. Persistent margin pressure can limit return on equity expansion and constrain reinvestment, making earnings growth more dependent on volume than on margin improvement.
Interest / Deposit Mix SensitivityRevenue depends heavily on net interest income, which is structurally sensitive to loan volumes, deposit composition and funding costs. Changes in deposit mix or rate curves can materially alter NII and net interest margin, creating persistent earnings sensitivity to macro and competitive funding dynamics.
MetroCity Bankshares News
MCBS FAQ
What was MetroCity Bankshares Inc’s price range in the past 12 months?
MetroCity Bankshares Inc lowest stock price was $24.53 and its highest was $37.46 in the past 12 months.
What is MetroCity Bankshares Inc’s market cap?
MetroCity Bankshares Inc’s market cap is $1.02B.
When is MetroCity Bankshares Inc’s upcoming earnings report date?
MetroCity Bankshares Inc’s upcoming earnings report date is Oct 16, 2026 which is in 66 days.
How were MetroCity Bankshares Inc’s earnings last quarter?
MetroCity Bankshares Inc released its earnings results on Jul 24, 2026. The company reported $0.76 earnings per share for the quarter, missing the consensus estimate of $0.81 by -$0.05.
Is MetroCity Bankshares Inc overvalued?
According to Wall Street analysts MetroCity Bankshares Inc’s price is currently Undervalued.
Does MetroCity Bankshares Inc pay dividends?
MetroCity Bankshares Inc pays a Quarterly dividend of $0.29 which represents an annual dividend yield of 3.05%. See more information on MetroCity Bankshares Inc dividends here
What is MetroCity Bankshares Inc’s EPS estimate?
MetroCity Bankshares Inc’s EPS estimate is 0.84.
How many shares outstanding does MetroCity Bankshares Inc have?
MetroCity Bankshares Inc has 28,781,229 shares outstanding.
What happened to MetroCity Bankshares Inc’s price movement after its last earnings report?
MetroCity Bankshares Inc reported an EPS of $0.76 in its last earnings report, missing expectations of $0.81. Following the earnings report the stock price went down -5.222%.
Which hedge fund is a major shareholder of MetroCity Bankshares Inc?
Currently, no hedge funds are holding shares in MCBS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
MetroCity Bankshares Stock Smart Score
Neutral
1
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8
9
10
Analyst Consensus
Hold
Average Price Target:
$38.00 (3.91% Upside)
$38.00 (3.91% Upside)
Blogger Sentiment
Neutral
MCBS Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 62.0 Shares
Last Quarter.
Last Quarter.
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-16.13%
12-Months-Change
Fundamentals
Return on Equity
3.05%
Trailing 12-Months
Asset Growth
25.01%
Trailing 12-Months
Company Description
MetroCity Bankshares Inc
MetroCity Bankshares, Inc. functions as the parent company for Metro City Bank, delivering a comprehensive suite of banking and financial solutions throughout the United States. Its services cater to a diverse client base, including individuals, small and medium-sized enterprises, larger businesses, and local government bodies. The bank facilitates a variety of deposit accounts, such as personal and business checking, savings, certificates of deposit, and money transfer capabilities. Furthermore, it extends credit through construction and development loans, commercial real estate financing, industrial and business loans, single-family home mortgages, Small Business Administration (SBA) loans, and other consumer credit products. Customers also benefit from modern conveniences like online banking, treasury management, wire transfers, automated clearing house (ACH) services, and broader cash management solutions. Founded in 2006 and headquartered in Doraville, Georgia, the company maintains a physical presence with 19 full-service branch locations spanning Alabama, Florida, Georgia, New York, New Jersey, Texas, and Virginia.
MCBS Stock 12 Month Forecast
Average Price Target
$38.00
▲(3.91% Upside)
Technical Analysis
Capital City Bank
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Hanmi Financial
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Mercantile Bank
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TrustCo Bank
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Hometrust Bancshares
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Ownership Overview
21.16% Insiders
7.34% Mutual Funds
0.18% Other Institutional Investors
59.49% Public Companies and
Individual Investors